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So let’s say a kid reloads it once a month and makes 4 withdrawals a month. It’ll run them $138.35 in fees within the first year alone.

If you sign up for direct deposit, however, Myplash will gives you 1 free ATM withdrawal, 2 free ATM balance inquiries, and 2 free card to card loads per month. Not much better.

Still, it’s questionable if getting young kids hooked on plastic is such a good idea. If having a card is necessary, avoid the fees and get a debit card with Teen Checking through a place like USAA, Wells Fargo, or your local credit union.